Forward Collision Warning Car Insurance Discount

You likely won't be able to get a forward-collision warning car insurance discount, but that doesn't mean that you can't use this advanced safety feature to get a better car insurance rate. Read more to learn why auto insurance companies don't offer discounts for advanced safety features and how you can use them to qualify for safe driving discounts.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Car manufacturers are including more advanced safety features than in their new model, including forward-collision warning systems
  • Car insurance companies are not offering big discounts for drivers who have these features in their car for a number of different reasons
  • Auto insurance companies have little data proving the actual effectiveness of advanced safety measures; therefore, most do not offer any type of forward-collision warning car insurance discount

A forward-collision warning car insurance discount seems like it would make a lot of sense. You would think that car insurance companies would offer big discounts to people who have advanced safety features in their cars.

They don’t.

There are a number of reasons why there is no collision avoidance system insurance discount, but the most obvious is that there is little data available at the moment to support the theory that these advanced safety features actually cause fewer accidents.

If you want to buy car insurance with a forward-collision warning discount, enter your ZIP code above to compare car insurance rates from the top providers in your area.

Why is there no car insurance discount for advanced safety features?

According to data, automatic collision avoidance systems and other advanced safety features have not made drivers more provably safe. Car insurance companies will not offer liability car insurance discounts unless they know that the savings they offer won’t hurt their bottom line.

Since insurers can’t effectively prove that these systems are making drivers safer, they can’t offer discounts.

Furthermore, more manufacturers are making these advanced safety features standard on their new cars, but insurers cannot be certain that every car that has this technology is actively using it.

The final blow to a collision preparation system or other advanced safety technology is that while it comes standard in many cars, it is also very expensive to repair or fix in the event of an accident.

Insurers are left with systems that they can’t prove statistically make drivers safer and make car repairs more expensive.

This doesn’t mean you can’t use your forward-collision warning system to save money on your car insurance.

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How can I use my advanced safety features to save money on my car insurance?

It is true insurers will not offer you a discount for having advanced safety features, but they will offer you a discount for safe driving. You can use your advanced safety features to be a safer driver and, in turn, earn a lower car insurance rate.

Safe Driver Discounts by Company
Insurance CompanyEligibilityDiscount Amount
State FarmNo moving violations or at-fault accidents by any named driver during the past three years
Separate discount when your car, or the one it replaced, has been on a State Farm policy for three years without chargeable accidents (any accident that increases rates)
Undisclosed
ProgressiveCustomers with no tickets or accidents for three years31% less on average
AllstateAccident free (bonus for every six months without accidents)$100 off collision deductible for each year without accidents, to $500 maximum
USAAGood driving record for at least five yearsUndisclosed
Liberty MutualSeparate accident-free and violation-free discounts (specific requirements undisclosed)Undisclosed
FarmersVaries by stateUndisclosed
NationwideNo at-fault accidents or major violations during the past five yearsUndisclosed
American FamilyNo accidents, violations, or claims during the past five yearsUndisclosed
TravelersNo accidents, violations, or major comprehensive claims by any named driver during the past three or five yearsThree years: up to 10%

Five years: up to 23%
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As you can see, many of the top insurance companies offer a great rate for safe driving.

While you won’t get a forward-collision warning auto insurance discount for your advanced safety features, you can use them to be a safer driver and ultimately save on your car insurance.

If you’re interested in learning more about ways you can save on your car insurance, read this helpful resource from the Insurance Information Institute.

If you want to compare auto insurance quotes from the top companies in your local area, enter your ZIP code below to see car insurance quotes now.

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